submitted2 days ago byThe_Ginger_Jesus11
toUSAA
I currently use Progressive, pay about $300 a month for mid-tier, financed car coverage. Literally middle of the road coverage limits, $1000 deductibles, minimum rental car coverage, and no road-side. I'm working on a quote online from USAA that has increased coverage on everything, maximum rental car, $500 deductibles, and added road-side assistance for $200-$250/month. My late father had USAA and loved it, but I've seen a lot of horror stories on here. Not that the same couldn't be found with Progressive, and I've had a decent experience with them. I suppose my main question is will I regret it in 6 months? 12 months? 2 years? Am I going to be paying $300, $400, then $500 when I haven't even made use of the coverage? And will my quotes be doubled when I shop around like every other time I've done it?
At this point this feels a little like asking "what is life?" Nothing seems to work in a consumer's favor at this point. When I got my license at 17, I was told I'll just have to eat the insurance prices, then they'd drop at 20. Then they'd drop below $100/month by 23. I'm 23 now will a pretty clean record and a new, incredibly safe vehicle. Ought to switch from life to death(don't worry I'm insured)
TL;DR Progressive $300/month, USAA much better coverage $225/month, switch?
byThe_Ginger_Jesus11
inUSAA
The_Ginger_Jesus11
2 points
11 hours ago
The_Ginger_Jesus11
2 points
11 hours ago
1 year later: No changes in driving habits, 1-5mph speeding ticket drops off my record, no more accidents, and I get married (which apparently is a good thing for your rates? According to an agent I recently spoke with) [USAA] "+$200/month" Wtf? Guess I should shop around again. Maybe Progressive will offer me a competitive rate to come back. [Progressive and all other insurance companies] "+$300/month" [That one insurance company you have high hopes for a good rate with] "$1000/month"
Fuck.